15 Gardner St, Nantucket, MA 02554 Property Records

Nantucket County and Nantucket Town property record for 15 Gardner St, Nantucket, MA 02554

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 4,981 sqft · built 1800
Lot Size	0.125 acres (5,436 sqft)
Owner	2 Individual Names on File
Last Sale	$3,550,000 (Jan 2005)
Tax Bill	$15,523 (2026)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10190`

Property Details

APN / Parcel Number

Primary APN	`10190`
Alternative APN	`NANT M:04234 P:00076`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	4,981 sqft Living Area
Gross Area	7,320 sqft
1st Floor Area	1,818 sqft
Attic	Attic
Attic Area	1,512 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,436 sqft (0.125 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	10190
Street Address	15 GARDNER ST
City	NANTUCKET
State	MA
Zip	02554-2116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ROH
Jurisdiction	NANTUCKET MA
Township / Civil Division	NANTUCKET
Census Block Group	1
Census Block	1031
Census Tract	950100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Nantucket Historic District listed 1966 · National Historic Landmark (designated 1966) · NRIS 66000772

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

15 Gardner St is owned and occupied by two individuals who bought it in January 2005.

Source: Nantucket County and Nantucket Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 GARDNER ST, NANTUCKET, MA 02554-2116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2005 · Amount on File
Deed Sale	Jan 25, 2005 · Amount on File
Prior Sale	Apr 14, 2000 · Amount on File
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	15 GARDNER ST, NANTUCKET, MA 02554-2116
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1856-117
Date	Oct 18, 2021
Book Page	1856/117
Instrument	4165

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2031
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 15 Gardner St was $15,523, down 3.3% from the year before.

Source: Nantucket County and Nantucket Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Nantucket County
County Subdivision	Nantucket Town
Unified School District	Nantucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,523.00 (-3.27%)	$4,975,200 (+1.68%) Land $1,792,300 Building $3,182,900	$8,038,586
2025	$16,048.00 (+6.7%)	$4,892,800 (+1.83%) Land $1,534,300 Building $3,358,500
2024	$15,040.00 (+19.27%)	$4,805,000 (+22.32%) Land $1,534,300 Building $3,270,700
2023	$12,610.00	$3,928,200 Land $1,461,100 Building $2,467,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Gardner St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1988.

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 49 policies
Nearby Flood Policies	49 in force
Nearby Flood Claims	4 (1988–2017)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2017 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 15 Gardner St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WANNACOMET WATER COMPANY serves 27,703 people · EPA ID MA4197000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	67 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 752 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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